GAURAV KAMRA
LUCKNOW
Summary
To perform credibly in the fast paced, performance driven environment and to have an opportunity to demonstrate the necessary knowledge, skills and attitude to successfully operate in today's competitive world of business and to work with an organization which provides me with challenging opportunities, offers learning, growth, values, creativity and dedication.
Overview
9
9
years of professional experience
1
1
Certification
Work History
REGIONAL CREDIT MANAGER
SATIN HOUSING FINANCE LTD.
12.2024 - Current
- Managing the Credit Underwriting of HL and LAP
- Taking care of UP (East and West)
AREA CREDIT MANAGER
SHUBHAM HOUSING DEVELOPMENT FINANCE COMPANY LTD.
09.2018 - 12.2024
- Managing the Credit Underwriting of Housing Loan and Loan Against Property (LAP)
- Responsibility of Underwriting Credit Proposals up to INR 50 Lac
- Sanctioning Authority up to INR 15 Lac
- Conducting PD with the customers to establish Credit Worthiness
- Maintaining TAT and Co-ordinate with the H.O
- Team
- Task Delegation among the team members
CREDIT MANAGER
SREI EQUIPMENT FINANCE LTD
01.2018 - 09.2018
- Managing the Credit Underwriting of CME Assets
- Approval authority up to Rs.100 Lac
- Managing UP & UK Region(s)
CREDIT RELATIONSHIP MANAGER
HDB FINANCIAL SERVICES
06.2016 - 01.2018
- Managing the Credit Underwriting of Products like LAP, PL, Business Loan, Gold Loan, AL and various other products of HDB Financial Services
- Responsibility for underwriting small ticket proposals, up to 3 Lac, by adhering to rules, norms, practices and policies of the company: including statutory compliance
- Conduct PD with customer to establish credit worthiness
- Ensuring the prescribed TAT and coordinate with business team
- Prepare CAM and Financial Analysis
- To maintain relationship with legal and technical vendors and the vendors of FI and RCU
- Collection Visits of N.S
- And 0-30 Bucket
- Prepare day to day MIS of collections and resolving delinquency
- Working on Loan Operating System (LOS) from Login till Approval of the files
Education
POST GRADUATION DIPLOMA IN MANAGEMENT - FINANCE & RETAIL
JAIPURIA INSTITUTE OF MANAGEMENT
Lucknow01.2016
BACHELOR OF COMMERCE -
UNIVERSITY OF LUCKNOW
Lucknow01.2012
HIGHER SECONDARY SCHOOLING -
CHIRANJIV BHARATI SCHOOL
Lucknow01.2009
SECONDARY SCHOOLING -
CHIRANJIV BHARATI SCHOOL
Lucknow01.2007
Skills
- Underwriting expertise
- Credit risk assessment
- Risk mitigation strategies
- Research and due diligence
Certification
- ATTENDED INDUCTION PROGRAMME CONDUCTED BY THE INSTITUTE OF COMPANY SECRETARIES OF INDIA.
- COMPUTER CERTIFICATION FROM COSMO (AN INTEGRATED COURSE CONDUCTED BY THE INSTITUTE OF COMPANY SECRETARIES OF INDIA).
- INTERNSHIP WITH BRINDAVAN BOTTLERS PVT. LTD., LUCKNOW
Languages
- ENGLISH
- HINDI
- PUNJABI
Disclaimer
I CONFIRM THAT THE ABOVE INFORMATION PROVIDED BY ME IS TRUE AND TO THE BEST OF MY KNOWLEDGE AND BELIEF.
Personal Information
- Date of Birth: 08/08/91
- Nationality: INDIAN
- Marital Status: MARRIED
Internshiptopic
SALES AND DISTRIBUTION MANAGEMENT OF THE PRODUCTS OF THE COCA-COLA LEARNT ABOUT NEGOTIATION AND PERSUASION SKILLS SUGGESTED MEASURES FOR IMPROVEMENT IN THE SERVICES.
Timeline
REGIONAL CREDIT MANAGER
SATIN HOUSING FINANCE LTD.
12.2024 - Current
AREA CREDIT MANAGER
SHUBHAM HOUSING DEVELOPMENT FINANCE COMPANY LTD.
09.2018 - 12.2024
CREDIT MANAGER
SREI EQUIPMENT FINANCE LTD
01.2018 - 09.2018
CREDIT RELATIONSHIP MANAGER
HDB FINANCIAL SERVICES
06.2016 - 01.2018
- ATTENDED INDUCTION PROGRAMME CONDUCTED BY THE INSTITUTE OF COMPANY SECRETARIES OF INDIA.
- COMPUTER CERTIFICATION FROM COSMO (AN INTEGRATED COURSE CONDUCTED BY THE INSTITUTE OF COMPANY SECRETARIES OF INDIA).
- INTERNSHIP WITH BRINDAVAN BOTTLERS PVT. LTD., LUCKNOW
POST GRADUATION DIPLOMA IN MANAGEMENT - FINANCE & RETAIL
JAIPURIA INSTITUTE OF MANAGEMENT
BACHELOR OF COMMERCE -
UNIVERSITY OF LUCKNOW
HIGHER SECONDARY SCHOOLING -
CHIRANJIV BHARATI SCHOOL
SECONDARY SCHOOLING -
CHIRANJIV BHARATI SCHOOL
Similar Profiles
Shabbir Khan MewatiShabbir Khan Mewati
Area Sales Manager. (ASM) at Bajaj Finance Ltd. (now Bajaj housing finance ltd.)Area Sales Manager. (ASM) at Bajaj Finance Ltd. (now Bajaj housing finance ltd.)
Shubham ChavhanShubham Chavhan
HR Executive at 1. Poonawalla housing finance limited (Greehum Housing) (Team lease Pvt. Ltd)HR Executive at 1. Poonawalla housing finance limited (Greehum Housing) (Team lease Pvt. Ltd)
CA Neeraj NagraniCA Neeraj Nagrani
Assistant Manager at Nido Home Finance Limited, Edelweiss Housing FinanceAssistant Manager at Nido Home Finance Limited, Edelweiss Housing Finance